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This Field Guide targets commercial lenders and business development officers seeking innovative lending and marketing techniques, with the intent on maximizing value for both bank and borrower.
Borrower's Guide is a discussion of commercial lending and small business lending exploring the way a borrower can prepare, present and obtain a small business or commercial loan. Richard Carrell presently Vice President of Evergreen Commercial Finance Solutions has been involved in commercial lending for over 45 years as an attorney and consultant.
The commercial lending environment is more competitive than ever With interest rates at challenging levels, loan assets provide the most effective way to bolster shareholder value for a bank. As a result, the margin for error in structuring is extremely narrow. While lenders are taught credit fundamentals, little information is provided that quantifies the structural drivers of performance and the finer points of commercial lending business development. This Field Guide targets commercial lenders and bank business development officers seeking new and innovative lending techniques, with the intent of maximizing value for both the bank and borrower.
Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute's professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations. Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer's business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank's risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer's lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation in the UK. All law and legislation used throughout the book (Chapters 1, 6 and 9) is either UK or English law. Readers outside the UK are recommended to check the appropriate legislation in their country. The currency used throughout the book is UK Sterling (denominated by £ symbol) and where working examples are used (particularly in Chapters 2 and 3) readers can substitute their own currency by using the appropriate exchange rate for their own country.
There is a lack of quality literature regarding best practices in sales strategies, negotiation tactics, and analytical aspects of what we do as lenders. While there are countless business books out there, few speak to our unique issues. A trio of bankers/authors seeks to address that issue with the release of this book. The commercial lending environment is more competitive than ever With interest rates at challenging levels, loan assets provide the most effective way to bolster shareholder value for a bank. As a result, the margin for error in structuring is extremely narrow. While lenders are taught credit fundamentals, little information is provided that quantifies the structural drivers of performance and the finer points of commercial lending business development. This Field Guide targets commercial lenders and bank business development officers seeking new and innovative lending techniques, with the intent of maximizing value for both the bank and borrower.
Updated and expanded in a two-volume set, this compilation is a valuable resource for lawyers negotiating or reviewing commercial lending laws outside their own jurisdiction. With contributions from experts across the country, this practical guide outlines all aspects of commercial lending laws in all 50 states and Canada. Designed to save lawyers countless hours of research time by including the relevant information in a complete, two-volume set.
With real estate prices at their lowest in years and the economy poised for a rebound, it’s an opportune time to invest in commercial real estate. But credit and financing issues can still pose challenges that prospective borrowers must overcome in order to get the money and mortgage terms they need. Commercial Mortgages 101 is a step-by-step guide for both real estate investors and mortgage brokers, offering insight, practical tools and a thorough overview of commercial mortgage underwriting and credit analysis. Readers will learn how to: Think and speak like a commercial real estate lender • Quickly size and under write a basic commercial real estate loan • Prepare a personal cash flow statement and calculate true net worth and liquidity • Read and interpret a lender’s preliminary loan proposal • Create a Schedule of Real Estate Owned • Prepare a persuasive and professional loan request package • Choose the right form of ownership (including LP, LLC, Co-tenancy and others) • And more Both thorough and timely, Commercial Mortgages 101 reveals what readers need to ensure their loans are approved.